Agos — Agospay / Agospay Zero Agospay
A plan byAgos — Agospay / Agospay Zero · Visa
Agospay is the fixed-instalment/revolving credit card from Agos Ducato (a consumer-finance company of the Crédit Agricole–Banco BPM group), on the Visa network. It has no annual fee and no issuance cost, but the credit is expensive: paying by instalments applies a nominal rate (TAN) of about 15.5% and an APR (TAEG) of 18.64%; the Agospay Zero version is TAN 15.95% / TAEG 19.17%, with single purchases ≥€500 repayable in 10 instalments at 0% TAN. Add a €1.25 monthly management charge and stamp duty. It is essentially consumer credit dressed up as a card: it only makes sense if you use the interest-free plan on large Agospay Zero purchases and avoid ordinary revolving.
Agospay
- Price
- Free
What's included
- No annual fee · €1.25/month management + stamp duty
- Fixed instalment / revolving · Visa network
- TAN ~15.5% · APR 18.64% on instalment use
- Cash withdrawal 4% of the amount
- Online application, subject to Agos approval
Data & conditions
| Network | Visa |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| APR | 19.17% (fixed) |
| Issuing bank | Agos Ducato S.p.A. |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | 4% |
| FX markup | 0% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Agos Ducato · finanziaria del gruppo Crédit Agricole–Banco BPM · credito al consumo |
| Regulator | Banca d'Italia (vigilanza intermediari finanziari) |
| Segment | B2C |
| Funding / solidity | Agos Ducato · consumer-finance company of the Crédit Agricole–Banco BPM group |
| MiCA / License status | Intermediario finanziario vigilato (Agos Ducato S.p.A., albo ex art. 106 TUB) Supervised financial intermediary (IT) |
Strengths
- No annual fee and no card issuance cost
- Agospay Zero: single purchases ≥€500 repayable in 10 instalments at 0% TAN
- Fully online application and management; Visa network accepted everywhere
- Plannable monthly instalment, useful to spread large purchases without an overdraft
- No notable sovereignty advantage documented.
Weaknesses
- Expensive revolving credit: 18.64% APR (Agospay) and 19.17% (Agospay Zero) on instalment use
- €1.25 monthly management charge + stamp duty, costs left out of the 'zero fee' claims
- 4% cash-withdrawal commission, with no minimum or maximum
- A finance-company product built to make you pay in instalments: minimum repayment inflates total interest
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
- Funds can be frozen at the platform’s discretion.
- Subject to regulation (Supervised financial intermediary (IT)): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
Agospay is a finance-company credit card, not a bank-account card: its core is consumer credit. The only real advantage is the interest-free 10-instalment plan on Agospay Zero purchases ≥€500; everything else on revolving is very expensive (18.64–19.17% APR), on top of €1.25/month management and 4% on withdrawals. The low rating (2.9/C) reflects exactly the cost of revolving credit: paying the minimum instalment piles up interest that can far exceed the perceived saving. It is fine only as a deliberate, interest-free instalment tool, never as an everyday credit card.
A credit card is a credit line, not custody of funds: there is neither self-custody nor a user balance. It is a fully tracked and censorable instrument — full KYC, a supervised Italian finance-company issuer that profiles transactions and can suspend the line or revoke the limit at its discretion. On the sovereignty lens it is the opposite of trustless tools: no anonymity, no censorship resistance.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
How much does the Agospay card cost?
There is no annual fee and no issuance cost, but a €1.25 monthly management charge plus stamp duty applies. If you pay by instalments you pay interest: 18.64% APR on Agospay and 19.17% on Agospay Zero.
What is different about Agospay Zero?
Agospay Zero lets you repay single purchases of €500 or more in 10 instalments at 0% TAN; other instalment use carries TAN 15.95% and APR 19.17%. It only pays off for large interest-free purchases.
Sources
- Official service page Data verified on Jul 12, 2026